Financing

Interest conditions

NOKEURSEK
Bond loan3-month NIBOR* + 4.40%
Term loan3-month EURIBOR + 3.25%**
Credit facility3-month NIBOR +2.35%3-month EURIBOR + 2.35%3-month STIBOR + 2.35%
*The 3 months NIBOR has been hedged to a fixed rate of 3,843% for the full period
Green finance framework 2023
Second Opinion S&P Global Ratings
Bond Prospectus - Registration document 25.03.2024
Bond Prospectus - Securities Note 25.03.2024
Green Finance Report 2023

*The Group has hedged the 3 months NIBOR to a fixed rate of 3,843% for the full period

Bonds termsNRC02
ISINISIN NO0013049403
TickerNRC02 ESG
Security typeSenior unsecured open callable green bond
CurrencyNOK
Face value400,000,000
Coupon3 months NIBOR plus 4.40% p.a
Issue date25 October 2023
Maturity4 years (25 October 2027)

Term loan and overdraft facility

Term loan (Danske Bank)

DateLeverage ratioInterest coverageMinimum 12 months rolling EBITDAMinimum liquidity
31.12.24SuspendedSuspendedNOK 45 millionNOK 100 million
31.03.25SuspendedSuspendedNOK 70 millionNOK 100 million
30.06.25SuspendedSuspendedNOK 170 millionNOK 75 million
30.09.25SuspendedSuspendedNOK 210 millionNOK 75 million
31.12.25<3.25>3.00Covenant removedCovenant removed

CovenantOverdraft facility (Danske Bank)
Borrowing base≤ 60% of accounts receivables
Drawdowns on the Group’s N0K 400 million multi-currency overdraft facility can maximum be 60% of last month’s book value of the Group’s accounts receivables. Minimum twice a year, clean-downs the overdraft facility should be made.

Bond loan

CovenantsBond loan
Interest coverage ratio≥ 2.50x
Leverage ratioNA
Equity ratio> 25%
The interest cover ratio on the bond loan is suspended for financial quarters ending 30 September 2024, 31 December 2024 and 31 March 2025. For the quarters ending 30 June 2025 and 30 September 2025, the interest cover ratio shall exceed 1.50x and 2.00x respectively. Thereafter the ratio shall exceed 2.50x. For certain transactions, the bond agreement includes requirements of an incurrence test. Dividend distributions are allowed for up to 50% of the group's consolidated net profit the previous calendar year and are subject to an incurrence covenant of leverage ratio ≤ 3.50x. This ratio has been reduced to < 2.0 for periods after 31 December 2025. Dividend distribution in 2024 and 2025 is not permitted under the agreement. Taking on new loan agreements incurrence is limited by a leverage ratio ≤ 3.50x. The incurrence test is based on committed amounts, e.g. meaning that the full NOK 400 million overdraft facility should be included in the test even if the facility is only partly used, or not used at all.